Versapay vs Wayflyer

Choosing between AR automation software and business financing represents two fundamentally different approaches to B2B cash flow management. While Versapay focuses on streamlining accounts receivable processes and Wayflyer provides working capital financing for eligible businesses, Resolve Pay delivers an integrated platform combining net terms financing, AR automation, and B2B payments in a single solution. Understanding these distinctions helps mid-market manufacturers, distributors, and wholesalers select the approach that addresses both immediate cash flow needs and long-term operational efficiency.

When B2B finance teams evaluate solutions for managing receivables and improving cash flow, the choice between pure software, pure financing, and integrated platforms becomes critical. Versapay operates as an AR automation platform helping finance teams collect payments more efficiently. Wayflyer provides business working capital through financing arrangements that support inventory, marketing, and operational expenses. Resolve Pay takes a different approach, delivering net terms financing combined with AR automation that transforms how B2B sellers manage buyer relationships and working capital.

Key Takeaways

• Resolve Pay combines net terms financing, AR automation, and B2B payments in one platform, while Versapay focuses on receivables software and Wayflyer provides business working capital financing
• Resolve Pay offers non-recourse protection on eligible approved financed invoices, helping sellers reduce exposure to covered buyer credit defaults, a feature neither Versapay nor Wayflyer provides
• With 15,000+ businesses actively using the platform, Resolve Pay can advance payments generally within 1-2 business days while buyers pay on Net 30, 60, or 90 terms
• Wayflyer has deployed more than $7 billion to over 7,000 businesses worldwide, serving ecommerce, retail, wholesale, and omnichannel companies through various financing products
• Resolve Pay's AI credit engine streamlines credit decisions using business identification details, with decisions available within 24 business hours subject to verification requirements
• For B2B companies needing both cash flow acceleration and accounts receivable management, Resolve Pay eliminates the need to juggle separate financing relationships and AR software platforms

Understanding B2B Finance Platforms

B2B finance platforms serve three distinct needs: AR automation, working capital financing, and integrated B2B payments.

How Each Platform Works

• Versapay (AR Automation): Automates invoice delivery, payment portals, collections workflows, and analytics dashboards to improve AR team efficiency and visibility.
• Wayflyer (Business Financing): Uses performance data to provide working capital for ecommerce, retail, wholesale, and omnichannel businesses. Funding supports inventory purchases, marketing investments, and expansion.
• Resolve Pay (B2B Financing + AR Automation): Combines net terms financing and payment automation, allowing sellers to offer competitive payment terms while receiving advance payment. The platform integrates credit decisioning, payment processing, and agentic collections into one system.

The Key Difference

Versapay focuses on receivables automation, while Wayflyer provides working capital to support business operations.

Resolve Pay combines B2B net terms financing, credit management, and AR automation, helping sellers access funds sooner while managing the complete invoice-to-cash cycle.

Accounts Receivable Automation

Effective AR automation addresses the operational burden of managing business-to-business invoicing, collections, and reconciliation. B2B payment inefficiencies can consume significant time and administrative resources, making automation valuable for finance teams.

Versapay's AR Platform

Versapay offers a collaborative AR platform with customizable workflows and triggers for managing collections. The platform provides a shared buyer-seller workspace for dispute resolution and integrates with enterprise ERP systems including NetSuite, Microsoft Dynamics, and Sage Intacct. The platform focuses on automating receivables and payment collection workflows for established finance teams.

Key capabilities include:

• AR workflow automation with customizable collection sequences
• Collaborative portal for buyer-seller communication
• Native ERP integrations with enterprise accounting systems
• Multi-method payment acceptance through buyer portal

Wayflyer's Position on AR Automation

Wayflyer's primary offerings center on business financing and embedded lending. As a working capital provider, the platform focuses on providing capital rather than managing receivables processes. Businesses using Wayflyer for working capital typically need separate AR software to manage their invoicing and collections.

Resolve Pay's Integrated AR Automation

Resolve Pay delivers comprehensive AR automation that goes beyond workflow optimization. The platform supports automated invoicing workflows, payment reconciliation, and AR reporting through supported accounting and ERP integrations. Automation capabilities depend on the connected systems, configuration, and transaction workflows.

What distinguishes Resolve Pay is its financing layer integrated directly into AR workflows. Rather than just collecting more efficiently, sellers can receive advance payments on eligible approved invoices while buyers retain their agreed terms. This combination supports improved working capital availability alongside automated receivables management.

Key features include:

• Automated invoice generation synced from supported ERP systems
• Smart payment reconciliation for invoice-to-cash matching
• Real-time AR dashboards showing DSO, aging, and portfolio health
• Multi-channel collections with email, SMS, and voice AI
• Non-recourse protection on eligible approved financed invoices

Business Financing Approaches

Working capital solutions for growing businesses span multiple models with different structures, repayment terms, and risk profiles. Understanding these distinctions helps finance leaders choose approaches aligned with their cash flow patterns.

Wayflyer's Financing Model

Wayflyer reports providing more than $7 billion in financing to over 7,000 businesses worldwide, supporting ecommerce, retail, wholesale, and other eligible business categories. The platform offers financing arrangements that can include merchant cash advances, fixed-term loans, and wholesale funding.

Key characteristics:

• Funding availability depends on eligibility, underwriting, and specific product
• Repayment structure varies by product (revenue-based collections or scheduled payments)
• Connects to ecommerce platforms and accounting systems for underwriting
• Funding can arrive quickly after approval depending on the arrangement

Wayflyer's financing arrangements have repayment structures determined by the funding product and agreement. Businesses should review the contractual terms before accepting financing.

Versapay's Financing Position

Versapay focuses on receivables automation and does not offer financing components. The platform helps collect payments but does not address the timing mismatch between seller cash needs and buyer payment schedules.

Resolve Pay's Invoice Financing

Resolve Pay offers invoice-level net terms financing designed specifically for B2B transactions. Rather than business loans, Resolve Pay advances payment on individual invoices with non-recourse protection on eligible approved transactions.

The process works as follows: seller offers approved buyers eligible net terms, Resolve Pay can advance a portion or all of the approved invoice value generally within 1-2 business days depending on the financing arrangement, and the buyer then pays according to the agreed terms.

On eligible approved financed invoices, sellers are generally protected from repayment obligations arising solely from covered buyer defaults, subject to program terms. This approach ties financing directly to specific invoices rather than providing lump-sum capital against future revenue.

Versapay

Versapay positions itself as a collaborative AR platform designed to make finance teams more productive through workflow automation and buyer-seller collaboration tools.

Core Capabilities

The platform provides AR workflow automation, collaborative portals, ERP integration, and payment processing. Versapay serves mid-market to enterprise B2B companies with established AR teams seeking to improve collection efficiency and payment visibility.

The platform integrates with enterprise ERP systems and offers customizable workflows for managing collection sequences. Its collaborative workspace enables buyers and sellers to communicate about invoices and resolve disputes within a shared environment.

Technology Integration

Versapay provides deep ERP integrations with NetSuite, Microsoft Dynamics 365, and Sage Intacct. The enterprise focus supports complex multi-entity environments. The platform offers open APIs supporting custom ERP environments and flat file imports.

Wayflyer

Wayflyer provides business working capital through financing arrangements that can include merchant cash advances, fixed-term loans, and wholesale funding. The platform serves ecommerce, retail, wholesale, and omnichannel businesses.

Funding Capabilities

Wayflyer reports deploying more than $7 billion in financing to over 7,000 businesses worldwide, offering various funding products depending on business eligibility and requirements. The platform connects to ecommerce platforms like Shopify and Amazon as well as accounting systems to verify business performance for underwriting decisions.

Funding availability and approval timelines depend on the specific product, business qualifications, and underwriting review. Repayment structures vary by financing arrangement, with some products using revenue-based collections and others following scheduled repayment terms.

Financing Structure and Repayment

Wayflyer offers financing arrangements designed around broader business working capital needs. Repayment schedules and contractual obligations depend on the product and funding agreement. Businesses should review their funding agreements to understand repayment obligations.

Wayflyer supports business data connections and embedded lending arrangements through its financing products. The platform has expanded beyond its original ecommerce financing positioning and introduced embedded lending capabilities.

Resolve Pay

Resolve Pay operates as a B2B payments platform combining credit decisioning, net terms financing, AR automation, and payment processing. Its team brings experience from leading financial technology and commerce organizations, with a focus on improving B2B payment workflows and buyer credit management.

Comprehensive B2B Payment Platform

The platform addresses the complete buyer-seller financial relationship through integrated capabilities:

• Credit Decisioning: The proprietary AI credit engine uses business information and financial signals to support buyer credit assessments. Streamlined checks can provide decisions within 24 business hours, subject to verification and underwriting requirements.
• Net Terms Financing: Sellers can offer approved buyers flexible payment terms, including Net 30, 60, and 90. Resolve Pay advances an approved portion of eligible invoice value, generally within 1-2 business days. Advance amounts and any subsequent settlement depend on the financing agreement.
• AR Automation: Resolve Pay supports invoice synchronization, automated payment reconciliation, collections workflows, and receivables reporting. Specific automation capabilities depend on the connected accounting or ERP system and its configuration.
• Agentic Collections: Multi-channel automated sequences use email, SMS, and voice AI outbound calls with intelligent escalation based on buyer response patterns. The system preserves customer relationships with professional communication while improving collection efficiency.

Reducing Credit Risk

The non-recourse structure on eligible approved financed invoices represents a fundamental advantage. Resolve Pay's non-recourse financing provides protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms. This protection differs from financing arrangements in which the seller remains responsible for specified buyer nonpayment events.

This helps reduce sellers' exposure to covered buyer credit defaults on eligible approved financed invoices, subject to program terms, while improving access to working capital through advance payments.

Market Coverage and Integration

The platform serves 15,000+ businesses across manufacturing, wholesale distribution, HVAC parts, electrical supplies, plumbing, industrial equipment, medical devices, pharmaceutical distribution, and construction materials.

Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite. Its documented QuickBooks Online and NetSuite integrations support invoice and customer data synchronization. Integration behavior varies by system, and certain workflows may require record merging or manual reconciliation.

The platform provides native B2B checkout integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. Business buyers can apply for credit directly at checkout and, upon approval, complete eligible orders on terms. This integrated B2B net terms solution enables manufacturers and distributors to offer flexible payment options through supported ecommerce checkout flows while receiving advance payments on eligible approved transactions.

Resolve Pay provides APIs, webhooks, sandbox environments, and supported ecommerce integrations for custom implementations. Deployment timelines depend on integration complexity, merchant configuration, and technical requirements.

Why B2B Companies Choose Resolve Pay

Resolve Pay improves cash flow management by helping sellers receive advance payments on eligible invoices, generally within 1-2 business days, while approved buyers retain their agreed net terms. This integrated approach addresses both operational efficiency and working capital needs through a single platform.

The platform supports several common B2B business requirements:

• Manufacturers: Offer approved buyers flexible net terms while improving working capital availability
• Distributors: Accelerate cash flow from eligible invoices without requiring buyers to pay immediately
• Wholesale suppliers: Combine buyer credit assessment, invoicing, and collections management
• B2B ecommerce sellers: Embed net terms payment options into supported checkout platforms
• Finance teams: Automate receivables workflows and improve visibility into outstanding invoices
• Businesses managing credit risk: Use non-recourse financing protection on eligible approved financed invoices, subject to program terms
• Growing B2B companies: Support larger orders and customer relationships through structured credit terms

Customer examples illustrate these applications. Archipelago Lighting reported tripling its revenue while using Resolve Pay to streamline net terms approval and expand buyer purchasing opportunities. This customer example illustrates how integrated credit management and invoice financing can support B2B business growth.

Resolve Pay's published customer stories include ConEquip and SS&SI Dealer Network, which have reported business growth while using the platform. These examples illustrate how improved access to buyer credit, advance payments, and receivables workflows can support business expansion. Individual results vary.

For B2B manufacturers, distributors, wholesalers, and ecommerce sellers needing more than standalone financing or accounts receivable software, Resolve Pay combines credit decisioning, invoice financing, collections management, and payment workflows to address these requirements through one platform.

Frequently Asked Questions

How Does Resolve Pay Combine Invoice Financing and AR Automation?

Resolve Pay integrates buyer credit assessment, net terms financing, invoice management, payment collection, and receivables automation into one B2B platform. Eligible sellers can receive advance payments on approved invoices while buyers retain their agreed payment terms. This combination helps finance teams reduce manual administrative work and improve cash flow visibility through automated workflows and real-time reporting.

Can B2B Companies Offer Net Terms Through Ecommerce Checkout?

Yes. Resolve Pay supports embedded B2B net terms through integrations with platforms including Shopify, BigCommerce, Magento 2, and WooCommerce. Eligible business buyers can apply for credit during checkout and complete approved purchases using flexible payment terms. Sellers can receive advance payments on qualifying transactions according to their financing arrangements, improving working capital while offering competitive payment options.

What Problems Does AR Automation Solve for B2B Businesses?

AR automation reduces manual work involving invoice delivery, payment tracking, reminders, collections, reconciliation, and reporting. Resolve Pay combines these workflows with buyer credit assessment and eligible invoice financing. This allows B2B sellers to streamline receivables administration while potentially receiving payment before the buyer's invoice due date, addressing both operational efficiency and cash flow timing.

How Does Non-Recourse Financing Protect B2B Sellers?

Non-recourse financing on eligible approved invoices helps reduce sellers' exposure to covered buyer credit defaults on eligible approved financed invoices, subject to program terms. With traditional recourse financing, if an approved buyer fails to pay, the seller may need to repurchase the invoice. Resolve Pay's structure provides protection against covered buyer credit defaults that other financing arrangements may not offer, helping manage credit risk while improving working capital.

What Integration Options Does Resolve Pay Support?

Resolve Pay supports integrations with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite for accounting and ERP synchronization. The platform also provides native B2B checkout integrations with Shopify, BigCommerce, Magento 2, and WooCommerce. Additionally, Resolve Pay offers REST APIs with webhooks and sandbox environments for custom integrations, enabling businesses to connect existing systems and workflows.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.